Your credit score is below most lenders guideline so you are already in a bad place. You can get an FHA loan with a score above 580, but it will require no late payments, so the answer to your question is NO, you cannot get an FHA loan with a 610 score and any late payments. if you had a 620 you could have 1 x 30 day late payment and get away with it, but multiple late payments and / or lates of 60 or 90 may disqualify you completely even with a 620.
Please speak to a mortgage broker regarding issues of financing to get accurate guidelines; they change often.
Tripoint Mortgage Group, Inc.
DRE # 01521904
We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad now at 855 415-5626.
Sr. Loan Officer
Toll Free: (855) 415-5626 ext. 5734
Please visit us online at http://www.globenetrealty.com or call us at 714.988.8399
Tamara has good information below. Plus, if they truly are "recent" late payments, what is the likelyhood they can be paid in a timely manner to clean up your credit report. This may need to be addressed first.
I can assist you in finding a good lender. The lender can review your credit report and suggest ways to get your credit in good condition, along with approximate timelines to accomplish what you need repaired. Then, you can move forward with the lender and discuss what lending programs are available to meet your home search requirments. Best of luck and give me a jingle if you need the referrals, or when you get ready to search for homes.
Born and raised in AV,
Keller Williams Realty
Your best bet is to contact a local lender who specializes in credit scores under 610 (Platinum Home Mortgage (661) 951-0400 x 103) and discussing directly with the lender your issue. Once you've spoken with a lender and they've pulled your credit they can discuss with you the best path to obtaining a loan and accomplishing the purchase of a home if fhat's what you want to do.
Lenders in the Antelope Valley who handle credit scores under 620 are becoming more limited so you shoudl speak with a lender ASAP. If I can be of further assistance, please contact me, my info is below.
Tamara Stoebe, REALTOR, GRI, QSC, e-PRO, Notary
DRE License #01827461
Prudential Troth REALTORS
1801 W. Ave. K
Lancaster, CA 93534
Cell: (661) 466-6849
Fax: (661) 422-3006